Standard Life has temporarily suspended new sales of Ideal Income Series effective April 16, 2012. If you are already an Ideal Income Series client, you will receive a letter about what this means to you. You may also wish to contact your advisor.
What is a segregated fund?
A segregated fund combines the performance potential of a mutual fund with the security of an insurance product. Like a mutual fund, a segregated fund is a collection of stocks, bonds and other investments that provide you with an opportunity to "grow" your investment capital. However, a mutual fund is a security, while a segregated fund is an insurance product.
The segregated fund advantage
A segregated fund is actually an insurance contract. So when you invest in Standard Life’s Ideal Segregated Funds family, you become a “contractholder”. As the owner1 of the contract, you are entitled to benefits only segregated funds can offer, such as built-in guarantees. This means that segregated funds can minimize your exposure to market downturns.
Standard Life’s Ideal Segregated Funds family combines financial protection with growth potential to offer you a worry-free solution for your savings and retirement needs.
Choose between our Ideal Segregated Funds – Signature Series or our "classic" Ideal Segregated Funds.
Standard Life’s Ideal Segregated Funds – Signature Series can help you achieve your financial goals. This product provides you with investment solutions tailored to each stage of your life – whether you are saving for retirement, approaching retirement or already retired and ready to begin drawing an income from your savings.
Choose the type of protection that’s best for you
Ideal Segregated Funds – Signature Series lets you choose between 3 series: Ideal 75/100, Ideal 100/100 and Ideal Income. By selecting one or a combination of the three series, depending on your needs, you’re sure to get the all-in-one solution that’s right for you.
Ideal 75/100 Series
for base capital protection
Ideal 100/100 Series for full
capital protection
Ideal Income Series
for full income protection
Whether you need base capital protection (Ideal 75/100 Series), full capital protection (Ideal 100/100 Series) or a lifetime guaranteed source of income (Ideal Income Series), our Ideal Segregated Funds – Signature Series provides the right flexibility to meet your needs. By combining these series, you can access your capital without affecting your guaranteed lifetime income. Now that’s peace of mind!
A description of the key features and the terms and conditions are available in the Ideal Segregated Funds - Signature Series Information Folder and Contract.
Ideal Segregated Funds are designed to fit with your life cycle needs. When the time is right, you will find it remarkably easy to switch from saving for retirement to taking income from your savings.
Take a look at some of the great features you can benefit from:
- 75% Maturity or Payout Benefit Guarantee
- 100% Death Benefit Guarantee on all premiums if contract is issued prior to annuitant's age 80 (available to individuals aged 80 or over with a 75% Death Benefit Guarantee)
- Contract-based Maturity and Death Benefit Guarantees
- Resets to lock-in market gains
- Dollar-for-dollar reduction of guarantees for scheduled retirement income payments on registered retirement income plans
- Platinum Option for individuals who want to benefit from low management fees (minimum premium of $250,000)
- Wide selection of professionally managed funds offering diversification and consistent long-term performance
A description of the key features and the terms and conditions are available in the Ideal Segregated Funds Information Folder and Contract.
The complete fund family is available both on a registered and non-registered basis for savings and registered retirement income plans, making it flexible enough to meet your needs at every stage of life.
Standard Life’s Ideal Segregated Funds family provides simplicity, flexibility and peace of mind.
Your advisor can help you decide which of our segregated funds is ideal for you.
Understanding your rates of return
Your Personalized Rates of Return (PROR) help you to assess the performance of the total investments in your plan over a selected period of time and allows you to compare performance with market indices.
Method used to calculate your PROR
1 On registered plans, the owner is also the annuitant. On non-registered plans, you can designate someone else as the annuitant (or person insured under the series) and the Death Benefit Guarantee will be payable on that person’s death.
